Mobile Check Deposit Facility Terms and Conditions

The Mobile Check Deposit Facility, which enables you to deposit checks using the BPI Mobile App, is among the BANK products, services, or facilities you may avail. The terms and conditions for availing of the Mobile Check Deposit Facility are provided below:

A. Check and Check Image Requirements

1. You shall use the Linked Device to access the BPI Mobile App and capture legible images of the front and back of the check for deposit (“Check Image”). 

2. You shall deposit checks that are in the current format design, Philippine Peso-denominated, current dated, and payable to the order of your account name.

3. You shall ensure that before capturing an image, the back of the check includes the following information:

i. Bank of the Philippine Islands (as name of the presenting bank);

ii. Your signature (as depositor or payee);

iii. Your Account Number (as depositor or payee); and

iv. Date presented for deposit.

4. The BANK may, at its sole discretion, reject any check that does not comply with the requirements of the BANK and/or the regulators. You acknowledge and agree that the following checks are NOT acceptable and warrant that the Check Images that you shall transmit to the BANK do not bear any of the following technical defects:

i. Checks bearing second and/or multiple endorsements;

ii. Checks payable to any person/entity other than your account name;

iii. Checks drawn on a financial institution located outside of the Philippines;

iv. Taken from photocopy, electronic, or otherwise non-original paper checks;

v. Checks payable to multiple entities;  

vi. Counterfeit checks or checks that are (i) not in the current format design, or (ii) spurious, fake, or written on paper not supplied by the relevant drawee bank;

vii. Post-dated checks or payable on a future date;

viii. Stale-dated check (i.e., more than six (6) months old reckoned from the date of issue);

ix. Checks that are out of date (e.g., February 30), or with invalid, missing, or incomplete date;

x. Checks where amount in words and figures differ;

xi. Checks that are validity restricted (printed on the face of the check);

xii. Checks that are previously negotiated or cancelled; or

xiii. Checks with alteration, erasure, or smudges or stains on the face (affecting the legibility of the date, payee, amount payable in figures or words, signature, account number, account name, check number, or Magnetic Ink Character Recognition (MICR) characters);

xiv. Checks with missing fields such as:

1. No payee;

2. No amount in figures;

3. No amount in words; or

4. No drawer signature; or

xv. Checks where the payee line indicated:

1. Customer Name and Cash; or

2. Customer Name and/or Cash.

5. You shall not redeposit or re-present through the Mobile Check Deposit Facility any check which has been previously presented or returned or dishonored, or which you have reason to believe is defective or fraudulent. 

6. Where applicable, you shall ensure that all Check Images and any other files transmitted through the Mobile Check Deposit Facility shall not contain any viruses or any features that may have an adverse impact on the BPI Mobile App or any other systems of the BANK or its subsidiaries or affiliates.

7. You assume full responsibility for (i) the correctness, completeness/regularity, authenticity, and validity of all endorsements and details appearing on the check/s and all check details manually entered by you in the Mobile Check Deposit Facility, (ii) the timely presentment of the check/s, and (iii) the compliance with BSP/Philippine Clearing House Corporation (PCHC) rules and regulations, all applicable laws and such other policies, procedures and requirements of the BANK and/or the regulators.

8. You represent and warrant that the checks transmitted through the Mobile Check Deposit Facility have been completed with full authority of the parties drawing and endorsing the same. By depositing said checks using the Mobile Check Deposit Facility, you are deemed to have guaranteed and/or hereby guarantee all prior and/or lack of endorsements on said checks.

9. You shall be solely responsible for all liabilities and claims of whatever nature pertaining to the check/s processed through the Mobile Check Deposit Facility. You agree to hold the BANK free and harmless and you shall indemnify the BANK for any expense, loss or damage incurred by the BANK arising from (i) the BANK’s certification of the check/s in reliance on the Check Image/s you transmitted through the BPI Mobile App and any other information you provided in relation to the checks; or (ii) any claim against the BANK that any of the check/s transmitted through the BPI Mobile App (a) is not genuine (i.e., counterfeit or duplicate according to applicable laws and regulations) and subject to multiple presentment, (b) has been altered or contains any of the technical defects set forth in Section A(4), (c) has been fraudulently endorsed or has no authorized endorsement; or (iii) any other reason causing the BANK to be deemed in breach or violation of its warranties and other obligations under applicable laws, BSP/Philippine Clearing House Corporation (PCHC) rules and regulations, except as otherwise provided in Section 34 (Limitation of Liability/Indemnity) of the Omnibus Terms and Conditions.

B. Processing of Checks

1. You may view the status of the check/s transmitted through the Mobile Check Deposit Facility. You shall be solely responsible for keeping yourself informed of the status of the check/s transmitted through the BPI Mobile App.

2. The BANK may set and update from time to time the maximum check amount allowed for deposit and/or limit the number of allowed mobile check deposit transactions. The current maximum amount allowed for deposit per check is Php 499,999.99.  

3. You acknowledge that the processing of checks deposited through the Mobile Check Deposit Facility is subject to the prescribed cut-off time. Check Images transmitted through the BPI Mobile App prior to the prescribed cut-off time shall be considered received as of and processed within the same banking day. Check Images transmitted through the BPI Mobile App after the prescribed cut-off time shall be processed within the next two (2) banking days.

C. Safekeeping and Submission of Physical Checks

1. You shall safekeep the physical check/s deposited through the Mobile Check Deposit Facility for a period of one (1) year reckoned from the date presented for deposit, unless the BANK, drawee bank, and/or the regulators require the submission of the physical check in accordance with Section C(2) below.

2. Where required by the BANK, drawee bank, and/or the regulators, you shall, at your own expense, submit to the BANK (through the relevant branch of the Account) the physical check/s within five (5) days from the date required by the BANK. Where you fail to produce the original check within said five (5)-day period, you agree to hold the BANK free and harmless, and you shall indemnify the BANK for any expense, loss or damage incurred by the BANK for your failure to safekeep or submit the physical check/s, except as otherwise provided in Section 34 (Limitation of Liability/Indemnity) of the Omnibus Terms and Conditions.

D. Disclosure of Your Information

To the extent that any of your personal and/or sensitive personal information is disclosed to the drawee bank and/or the regulators insofar as said information forms part of or may be extracted from the Check Image transmitted through the BPI Mobile App and/or the physical check (if required for submission to the drawee bank and/or the regulators pursuant to Section C(2) above), you hereby acknowledge and accept that such disclosure is pursuant to applicable laws and regulations.

E. Account Adjustments

1. The BANK may charge back any spurious, defective, erroneous, or lost check credited to the relevant Account regardless of the time that has elapsed, whether or not the check can be returned. 

2. The BANK is authorized to effect any adjustments on what has been credited to/debited from the accounts to correct any error or mistake committed without need for further consent or authorization. In the event that the relevant Account subject of the adjustment has insufficient balance, the BANK is authorized to debit and/or cause the debiting of the necessary amount, including fees and other charges, from the other accounts under your name maintained with the BANK, its subsidiaries, or affiliates.

3. The BANK may choose any reasonable method to notify you if any check transmitted through the BPI Mobile App is returned or dishonored. Where it elects to do so, you may physically re-deposit returned checks through the branch of the relevant Account, subject to the requirements and limitations imposed by the BANK and/or the regulators on re-presentment of returned checks. The physical deposit of the returned checks at any of the BANK’s branches shall be governed by the terms and conditions governing the relevant Account.

F. Eligible Accountholders

1. By availing of the Mobile Check Deposit Facility, you represent and warrant that you are at least eighteen (18) years of age, have the legal capacity to enter into contracts, and are fully able and competent to enter into these terms and conditions, and assume, abide by, and comply with, all obligations, affirmations, representations, and warranties set forth in these terms and conditions.

2. If you are under eighteen (18) years of age, you may not use the Mobile Check Deposit Facility and may only deposit your check over the counter through the branch of the relevant Account, with the assistance of your parent, guardian, and/or any person exercising parental authority.  

G. Definitions

Capitalized terms used in these terms and conditions have the meaning set forth below:

1. “BANK” means Bank of the Philippine Islands.

2. “Mobile Check Deposit Facility” means the BANK’s facility that enables you to deposit checks using the BPI Mobile App.

3. “You” or “you” or “yourself” means any one or all of the accountholders eligible to avail of the Mobile Check Deposit Facility.

Capitalized terms used in these terms and conditions but not defined above have the meaning ascribed to them in the Omnibus Terms and Conditions and/or the Online Banking Terms and Conditions.

H. Integral Document

You agree to be bound by the above terms and conditions for the Mobile Check Deposit Facility, which are deemed incorporated into, and form an integral part of, the Omnibus Terms and Conditions and the Online Banking Terms and Conditions. Accordingly, you agree that the above terms and conditions for the Mobile Check Deposit Facility, the Omnibus Terms and Conditions, and the Online Banking Terms and Conditions shall be read and construed as one integral document.

For the avoidance of doubt, your use of the BANK’s Mobile Check Deposit Facility shall be subject to the exercise by the BANK of any or all rights and remedies available to it under the abovementioned Omnibus Terms and Conditions and Online Banking Terms and Conditions, and all applicable laws and regulations.

For inquiries and comments, please send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.

BPI is regulated by the Bangko Sentral ng Pilipinas. https://www.bsp.gov.ph